What are Square Invoice Fees in 2026?
Square charges different fees depending on how the payment is received:
- Invoice card (via payment link): 3.3% + $0.30 per transaction
- Manual entry / card on file: 3.5% + $0.15 per transaction
- ACH bank transfer: 1% (minimum $1; cap varies by plan and deposit route)
Square's ACH option is available through Square Invoices and online checkout, and is significantly cheaper for large invoices.
Invoice Fee Examples for 2026
$500 invoice card (via link): $500 x 3.3% + $0.30 = $16.80 fee → $483.20 payout
$500 manual/card-on-file: $500 x 3.5% + $0.15 = $17.65 fee → $482.35 payout
$500 ACH transfer: $500 x 1% = $5.00 fee → $495.00 payout
ACH savings on $500: $11.80 vs invoice card, $12.65 vs manual
Square Invoice vs Square Online vs ACH
| Method | Rate | Fixed Fee | $500 Payout |
|---|---|---|---|
| Invoice Card (via link) | 3.3% | $0.30 | $483.20 |
| Manual / Card on File | 3.5% | $0.15 | $482.35 |
| ACH | 1% | min $1 | $495.00 |
Frequently Asked Questions
What are Square invoice fees?
Square charges different rates depending on how the invoice is paid: invoice card (via payment link) is 3.3% + $0.30; manual entry or card-on-file is 3.5% + $0.15; ACH transfers are 1% (minimum $1, cap varies).
Does Square charge for ACH invoice payments?
Yes. Square charges 1% per ACH bank transfer (minimum $1, cap varies by plan) when paying via Square Invoices or online checkout. This is significantly cheaper than card payments for large invoices.
How do Square invoice fees compare to Stripe invoice fees?
Square charges 3.3% + $0.30 for invoice card payments. Stripe charges 2.9% + $0.30 for online invoices. For a $500 invoice, Square costs $16.80 while Stripe costs $14.80. However, Square includes invoice creation in the same platform.
How do I reduce Square invoice fees?
The best way to reduce Square invoice fees is to offer ACH bank transfers at 1% (minimum $1). For large invoices over $500, ACH saves $10+ per transaction compared to card payments.
What are Square's online payment fees?
Square charges 3.3% + $0.30 for invoice card payments made via payment link. Manual entry or card-on-file transactions are 3.5% + $0.15.